Jul 28 2019

30 year level term life insurance @ Video

#Guaranteed #Term #Life #Insurance, #Best #Rates #from #30 #Companies

30 year level term life insurance @ Video, REMMONT.COM

30 year level term life insurance

Guaranteed Term Life Insurance | Best Rates from 30+ Companies

By Chris Huntley

Term life insurance is the most simple type of life insurance policy you can buy. It usually provides only a death benefit, but in my opinion this is often the wisest way to invest in life insurance.

For guaranteed term policies, I almost always recommend AIG Direct.

But your situation may be especially unique! I’ll explain everything you need below. You might find American National is better for your situation, given their highly customizable range of options. You can view rates here.

Or, if you are in great shape and care about your personal health and fitness, I would recommend Health I.Q.

Health I.Q. specializes in helping health-conscious individuals. Click here to view rates.

No matter what your preference and needs, we can help!

Dig in! Or, simply use this quick table of contents to navigate through your questions.

Quick Guide to Guaranteed Term Life Insurance


Cost & Benefits:

  • How Much Does Term Life Insurance Cost? (Sample Quotes here)
  • Five Benefits of Term Life Insurance
  • Why is Guaranteed Level Term the Best?

Types of Level Term Lengths:

Getting Quotes:

Comparing Companies & Online Quotes:

If you need any help along the way, feel free to give us a call at 877-443-9467 or feel free to leave a comment below.

Term Life Insurance – What Is It & How Does It Work?

Term Life Insurance is the most basic and low cost type of policy you can buy…

Simply put, a term life insurance policy only provides a death benefit.

Here are a few highlights.

Term Life Insurance Offers:

  • Fixed level guaranteed premiums for a set period of time, such as 10, 20 or 30 years
  • The most affordable premiums of all types of life insurance
  • Pays a lump sum death benefit (income tax free) upon the death of the insured

Term Life Insurance Does NOT:

  • Build cash value
  • Pay dividends
  • And you don’t get anything back if you cancel

It’s called ‘Term’ because the premiums and death benefit are fixed for a set period of years. You may select coverage that lasts anywhere from 1 year to other fixed terms such as 5, 10, 20 or 30 years. Some policies may even cover you to a specific age such as 65.

Why Would You Choose a Specific Term Length?: Let’s say you’re 40 years old and need life insurance to age 61 years, no more, no less. You’ve decided you need coverage until you start to receive Social Security, which means you won’t need coverage after that point. American General offers a Select-A-Term policy where you can specify the exact term length you want. In this case, it would be 21 years and not a moment more.

Why Purchase Term Life Insurance

Reasons for coverage vary. It may be the only form of life insurance you want. or you can use it cover short periods of time as a financial safety net when you are most vulnerable.

Here are some situations that need consideration:

NOTE: Additionally, there are policies you can purchase without a medical examination. Most Permanent Insurance policies require you to get a medical examination before you qualify for a policy.

How is Term Insurance Different from Other Types of Policies?

The other type of life insurance policy you can purchase is Permanent Insurance.

Permanent insurance policies such as Whole Life, Universal Life and Variable Life differ from Term policies because they cover you until death. Additionally, they provide an investment/savings feature which allows you to build up cash value over the life of the policy.

A Term life policy strictly pays out death benefits.

How Much Coverage is Enough?

It all depends on your needs and objectives. The amount of death benefits is solely your decision. You can check out our ‘Life Insurance Calculator’ to help you decide how much coverage you need. It’s a great tool that will help you estimate the cost of your premiums.

Who Would Benefit from Term Life Insurance?

This form of life insurance is ideal for families on a budget, couples just starting out and people in their 50’s. It is also a good fit for those individuals who want life insurance but prefer to invest their money on their own, to exercise greater control over their retirement investments.

Pros of Term Life Insurance

* Cheaper Premiums – The premium you pay is usually much cheaper than what you would pay for Whole Life or a Universal /Variable Life insurance policy.

* Fixed Premiums – Premiums are fixed for the term of the policy.

* Convertible – Some Term Life policies may be converted into a Permanent policy, and in some instances this may be done without a medical exam. However, you need to confirm these details with your agent when you are looking at available policies.

* Renewable – In many instances, the policy may be automatically renewed so your coverage continues, but this feature should be discussed with your agent as not all policies are the same.


Think saving money on life insurance is as easy as getting a quick online quote? Think again! You need an expert guide. We know the right companies for every age, health issue, and need. It’s quick and easy! Get started with a free life insurance quote now!

Cons of Term Life Insurance

* No Investment Feature – With this policy you get death benefits only. Although – at Huntley Wealth we don’t look at life insurance as an “investment” per se. So I am not 100% down with this as a con, but there are of course those that would argue the point.

* Premiums Get More Expensive – Term Life policies are considerably cheaper when you buy them at a younger age, but the premiums get substantially higher the older you get and may not even be available in your later years.

* Conversion Can be Expensive – Although you may have the option to convert a Term Life policy into a Permanent policy, the increase in premiums could be very expensive.

The best place to get started is with a free quote.

What is Guaranteed Level Term Life Insurance

Stick with me for 1 minute, and you’ll get a better grasp of guaranteed term life insurance than most life insurance agents have.

…but most agents only ever learn about the benefits, not the nuts and bolts of how it really works.

Guaranteed Issue vs. Guaranteed Level Premium Life Insurance

It’s important to understand, that there is a type of life insurance known as guaranteed issue.

Under guaranteed issue, even if you have terminal cancer, you’re guaranteed to qualify (albeit at astronomical premiums.)

In this article, we’ll be referring to the type of term life coverage that you must qualify for medically.

So guaranteed term life insurance refers to level premiums and a level death benefit.

Guaranteed Term Life Insurance vs. Whole Life Insurance

Guaranteed Term Life insurance differs from Whole Life, in that it’s used to cover specific periods of time, whereas Whole Life is designed to build cash value and cover you for your entire life.

I also work with Universal Guaranteed Life insurance companies, which I choose to endorse rather than Whole Life insurance. For more information, go to my article about Universal Life Insurance Quotes.

For Term quotes, use the form on the right. You’ll instantly see your quotes on the next page. You won’t have to fill out 3 pages of questionnaires like you do for other life insurance websites. These are truly hassle-free, guaranteed term life insurance instant quotes.

How Much Does Guaranteed Term Life Insurance Cost?

Insurance carriers have a different price they charge you for every year you live.

So, say you’re 40 years old in good health and you apply for 10 year guaranteed term life insurance for $500,000 in coverage. The true cost to insure you for that one year of life might be approximately $18 per month…but next year you turn 41. You’re one year closer to dying, so it may cost $20 per month.

From age 40 to 49, your monthly premiums might increase on a schedule similar to the one illustrated below:

*Figures above are not life insurance quotes by age. They are demonstrating the cost of 1 year term to show how insurance companies average them out to come up with level term premiums.

T he Older You Are the More Your Premiums Cost

So you see at it’s core, guaranteed level term life insurance is like auto insurance.

If you get a speeding ticket or a DWI, your auto premium goes up because you’re riskier to insure.

With life insurance, as you get older, you’re closer to dying so every year you live, you’re riskier to insure. Which means your premium goes up accordingly. Occasionally I see Guaranteed Renewable Term policies where the price increases every year, but most people purchase Guaranteed Level Term life insurance.

So now that you know the cost of insurance increases every year, I’ll let you in on a secret. The insurance companies don’t raise your premium every year for level term policies.

Here’s what they do:

Guaranteed Term Life Insurance Premiums, As Opposed to Increasing

Rather than increase your premium every year, life insurers take an average of your cost for a block of years, let’s say 10 for example, and charge you a fixed level premium for the entire period.

This premium is guaranteed not to increase during that term.

For example, in the schedule of premiums above from age 40-49, if you add those numbers up and divide the figure by 10, it will come out to about $27.00.

If you’re a 40 year old and want a 10 year term product, that’s about what you’ll pay. Of course those numbers hinge on what health rating you get, but that’s for a different time.

. Select A Term & Return of Premium

There are all sorts of terms: 5, 10, 15, 20, 25, 30, and even 40. What if you want something a bit more customized? Well, American General even has a product called Select-A-Term, where you can pick an off-the-wall term length like 23 years.

Did you know there’s even a type of term products that returns your premiums? It’s called Return of Premium Life Insurance. If you want more information, I wrote a post about this which includes a short video you can access by clicking here: Term Life Insurance that Returns Premiums.

Most insurers offer Guaranteed Term Life Insurance. The beauty is that the premiums are fixed for the duration of your term. When you search for term life insurance quotes online, most are for guaranteed level term life insurance.

Looking for a quote? Click below:

What Happens After the Guaranteed Level Term Expires?

At the end of your Guaranteed Level Term, the policy doesn’t just terminate. Most Term life insurance policies allow you to pay on an annual renewable rate up to age 95 or 100, with no proof of good health required.

However, the premiums are dramatically higher than in the initial term. That’s why you should lock in the longest term coverage you can afford, 30 year term, if you think there’s a chance you’ll need coverage later in life.

The most affordable term life insurance rates are for a 10 year term policy. This is suitable for some people, but remember, when the 10 year term ends, you will face a premium increase. It’s important to plan wisely.

My Guaranteed Level Term Life Insurance Premiums Are Set to Increase. What Should I Do?

You have three options in most cases:

* Replacement: If you’re still healthy you can replace your current term policy with a new one. This is probably the most affordable option.

* Conversion: If your current term policy has conversion benefits, you may be able to convert your policy to a Permanent policy such as a Whole Life or Universal Life. This can be done without proof of insurability. It may actually be your only option if you have developed a serious medical condition.

* Pay the Annual Renewal Rate: As mentioned before, the third option is to pay the annual renewable rate, if it’s available through your company. Most people search for a new Guaranteed Term Life Insurance quote to replace the old policy.

Annual Renewable Terms Exist.

A type of term policy known known as an annual renewable term does exist. If you purchase this type of policy, your premiums increase every year.

Annual renewable term is generally less expensive in the earlier years of a policy. Unfortunately, at some point your premiums will increase to a rate higher than what you would’ve paid had you purchased Guaranteed Level Term Life Insurance up front.

Most people prefer to “lock in” their premium for a number of years, which is what makes Level Term Life Insurance attractive.

For instant quotes, use the form on the right.

Other Resources you may want to read:

I’ve written a couple of articles on this site you may want to read before deciding whether to replace your policy or convert it.

As always, I recommend that you speak with a knowledgeable, independent agent. They can assess your needs along with your health to recommend the best Guaranteed Level Term life insurance policy available on the market.

Guaranteed Term Life Insurance 2017 Sample Rates

While many agencies shy away from showing sample quotes, we want to give you what you want… quotes without having to provide your personal information.

Here is a brief sample of term life insurance quotes from $100,000 to $500,000 for a 20 year term. If you’d like specific quotes for your age and the coverage you want, please use our quote form on the right.

20 Year Term Sample Quotes

(Based on Quotes, as of 7/13/17, subject to change)

* The quotes above are for a non smoking male who qualifies for the best “preferred plus” rates at various top carriers we represent. They are NOT an offer for insurance. Each individual must qualify based on his or her own health and underwriting process. Rates as of 7/13/17.

What is the Average Cost of Life Insurance?

I had a visitor comment on an article about life insurance for 70 – 75 year olds. She was looking for life insurance for her father. I want to address her last question about the average cost for life insurance.

Here’s an excerpt from her comment:

“Hello! My father is 74 years old and in excellent health and owns and operates several investment properties that he will eventually pass on to my brother and I. He refuses to purchase any life insurance policies on his own in spite of my urging him to do so. Assuming that he consents to either my brother or I purchasing a policy on him, what steps would I have to take and on average how much would it cost to insure him?


Think saving money on life insurance is as easy as getting a quick online quote? Think again! You need an expert guide. We know the right companies for every age, health issue, and need. It’s quick and easy! Get started with a free life insurance quote now!

Agents Need Information to Give You an Accurate Quote

It’s important to understand that the question above is extremely difficult to answer for a life insurance agent with such limited information. It’s like calling a car dealership and asking how much on average it would cost to buy a brand new car.

They’d have to ask you what kind of car you were looking for, color and other preferences. It’s the same when purchasing life insurance. I can’t tell you how much it costs on average to insure a 74 year old without knowing which type of policy he or she is interested in and the status of their health.

If they want Term coverage, it will be much more affordable than a Guaranteed Lifetime UL or a Whole Life policy. The visitor states that the gentleman in question is in “excellent health”. That doesn’t give me much to go on, since many people who have had heart disease, cancer and diabetes consider themselves to be in excellent health. Yes it’s true – and those conditions would absolutely impact premiums.

Long story short, rather than searching for the average cost for life insurance, you can get an accurate quote from a life insurance agent by answering the following questions:

Questions Will You Be Asked to Qualify

  1. What is your name, date of birth, email address and best phone number to reach you with a quote?
  2. What is your height/weight?
  3. Have you used any tobacco products in the past 5 years?
  4. If so, indicate type and frequency.
  5. Do you have any current medical conditions or take medication, or have you had any serious medical issues in the past from which you have recovered, such as cancer, heart disease, hepatitis C, etc.
  6. If you do have a current medical condition, please describe when you were diagnosed, any medications or treatment for the condition, and assess how well it is currently controlled. For serious medical impairments, please see our post on High Risk Life Insurance.
  7. Other factors that can affect a life insurance rating are history of family disease (cancer or heart disease in your parents or siblings), hazardous occupation, travel or hobbies, or any history of driving suspension or DUI’s, criminal record, history of drug or alcohol use/abuse, or treatment for a mental health issues such as anxiety/depression. If any of these apply to you, let us know.
  8. Please also indicate the type of life insurance you are seeking (Term, Whole Life, etc.) and amount of coverage you think you need. If you are unsure about either of these questions, please refer to the following articles:

So as you can see HEALTH MATTERS! I am going to discuss this a bit more below:

Health Matters – Pre-Existing Medical Conditions

How much you pay in regard to your premiums, depends on your personal health and circumstances.

Underwriting is a very complicated process. At Huntley Wealth we pride ourselves on knowing the ins and outs of which company works best for each medical condition.

You may think that your high blood pressure will keep you for getting the best rates, but this may not be true. Everything hinges on the the degree of impairment and treatment results.

The interesting part is, some insurers are much more liberal than others. Be sure to call me first, because we specialize in high risk medical cases. Don’t avoid buying insurance because of a medical condition. Call us at 877-443-9467, and we’ll be happy to help.

Who BUYS Life Insurance? LIMRA Insurance Barometer Study

Who buys Guaranteed Term Life Insurance and what are their thoughts? Well I have some interesting information for you!

LIMRA is a worldwide association of insurance and financial companies, so you can be certain their findings are valid. A quick preview of what they found from a survey of over 2,000 American adults between ages 18 -75 includes the following:

* Over 80% of those surveyed overestimate the cost of a Term life insurance policy

* Millennials overestimate the cost of Term life insurance by 213%

* Gen-X overestimate the cost of Term Life Insurance by 119%

* 43% of those surveyed say they would be financially impacted within 6 months if the primary income earner died

* 30% of those surveyed and who already have life insurance don’t believe they have a big enough policy

* 54% who don’t have life insurance say they likely won’t buy a policy within the next 12 months

Now That’s a Lot of Misunderstanding!

Wow! There seems to be a lot of people who don’t have life insurance that should and a LOT of misunderstanding about the cost. Let’s take a look Millennials, Gen-X and life insurance now:

Millennials, Gen-X & Life Insurance

Millennials overestimate the cost of life insurance by over a whopping 213%…

…and Gen-Xer’s overestimate what they might expect to pay for a policy by 119%!

WOW! As a life insurance agent this just blows me away.

I am totally flabbergasted that people overestimate the cost of life insurance by so much. These stunning figures were published in the LIMRA life insurance barometer study in January 2015. According to this study, the main reason given by all you Millennials and Gen-Xer’s out there for not having life insurance is because of the cost.

Did you know, if are a young healthy non-smoking male, the cost of a 30 year Term Life policy with $500,000 in coverage is less than $35.00 per month?

…and the cost of a 30 year Term Life policy with $100,000 in coverage could be less than $15.00 per month.

My friends, $15.00 a month wouldn’t even cover going to the movie theatre for date night with your spouse or life partner.

It’s time for you to get a quick lesson on life insurance to understand how affordable and necessary it really is for you and your loved ones.

Let’s Get REAL.

Here’s a reality check guys and gals. If you answer yes to any of the following questions, you seriously need to get life insurance.

If you die tomorrow who’s going to pick up the tab for the following…

  • How is your family or spouse going to survive without your income? Are you in a situation where you need replacement income?
  • Do you have children?
  • Let’s talk about debt, such as credit cards and/or personal loans. Chances are you have ’em.
  • Do you have a mortgage?
  • Are you a business owner?
  • Do you have a student loan?
  • Is there enough money in your estate for funeral expenses?

You answer is probably going to be yes to at least one or more of the above listed questions.

If you die tomorrow, ask yourself this –who’s going to have to pay for what you leave behind? It’s your spouse, partner and family that will get stuck with the tab!

You may be young, but it’s a simple fact you are not immortal!

. Time to Check Out Some Rates:

30 Year Term Non Smoking Male – Preferred Rate

(Based on Instant Quotes, as of 7/13/17, subject to change)

Shockingly affordable right? There really are no excuses. If you have dependants, business obligations and/or debt, you really need to think long and hard about where the money is going to come from to cover these obligations.

So let’s check out the benefits of purchasing Guaranteed Term Life insurance now:

5 Benefits of Purchasing Guaranteed Term Life Insurance

Wondering if term life insurance is worth buying? Not sure if you need life insurance? Want to know what the benefits of term life insurance are for you?

I bet you answer to all of these questions is a resounding “YES!” and I’ll show you why guaranteed term insurance is for you right now.

1. Term Life Insurance Can Replace Lost Income

If you have a family and are the primary or a significant breadwinner, ask yourself:

“How will my family cope financially if I died tomorrow and they no longer had my income to support them?”

Even though you’re out of the picture, your family will have to continue to survive financially.

Bills will still arrive and food has to be put on the table.

If your income is removed from this picture, the effects on your survivors may be devastating.

Our handy life insurance calculator will help you determine how much coverage you need to replace your income.

Even if you aren’t the primary breadwinner, but still contribute significantly to your family’s standard of living, the loss of income can be damaging in terms of your family’s financial stability and comfort.

Term life insurance may be used as convenient means to replace loss of income should you die unexpectedly.

2. Term Life Insurance Can Pay Other Debts

Another benefit of Guaranteed Level Term Life Insurance is that it can cover your existing debts.

Term is generally the life insurance of choice to cover debt. If you’re in debt, you probably need something low cost, and term is the cheapest type of policy there is. Also, most debt will be paid down or off eventually, so you won’t need permanent coverage.

Debts That Indicate You Need Life Insurance Coverage:

People also get conditional contracts or loans to buy household appliances, furniture or even to pay for the kids’ college tuition.

If you sit back and total up all your debt, you might be in for a rude awakening when you discover how much you owe. It’s probably not a problem as long as you’re working and the income is coming in…

…but what happens to these debts if you were to die tomorrow?

You might not have to worry about these debts anymore, but your survivors still have to pay for them. Creditors will be be the first to be paid out of the estate, before your heirs receive a penny.

3. Term Life Insurance Can Benefit the Self Employed

Many people these days are self employed. They either work from home or operate a small business as sole proprietorship, partnership with one or several employees.

So, you earn a good income, have steadily built up your business and are make a comfortable living.

People Are Mortal! What Will Happen When You Die?

Let me ask this simple question. What will the consequences be if you died tomorrow?

Do you have outstanding business loans? Do you have contractual obligations with clients, suppliers and outstanding accounts that are payable? What happens to your employees?

Then you have to ask yourself what impact will this have on your family…who’s going to pay the estate taxes…what happens to the business and all these outstanding debts and other financial obligations? This could end up being a legal and a financial nightmare for your family.

If you don’t have any form of life insurance, you are potentially exposing them to financial ruin. Term life insurance can be used in a variety of business situations that need coverage.

You can also use term insurance as a quick and simple means to guarantee a business loan. This will make the lender a lot more comfortable when it comes to approving your application.

4. Term Life Insurance is Affordable

One of the biggest benefits of term life insurance is that it is so affordable.

Guaranteed Term Life Insurance can be purchased to suit anyone’s budget.

If you’re between 20 – 35 years of age, are a non-smoker and in good physical health, you can buy a 20 year term with $250,000 in coverage for less than $15.00 per month.

A 30 year term policy would only cost you a few extra dollars.

If you need a $1,000,000 policy and are a non-smoking male in good health, you could buy a 20 year term policy for approximately $36.00 per month.

This is less money than you would spend on a single night out with the family or what you might pay for a few restaurant lunches each month.

You might not be able to afford very much right now, but that’s okay because you can also buy an additional term life policy later, when your income increases.

5. Term Life Insurance Is Flexible

Now this section applies to term life insurance as opposed to Guaranteed Level Term Life Insurance specifically.

One of the best things about term is that it’s flexible. You can choose the following:

  1. Level Term Policy: Which is for a fixed death benefit & premium
  2. Decreasing Term Policy: Where you pay a fixed premium but the death benefits decrease at specified time intervals
  3. Increasing Term Policy: Where both the premiums and the amount of death benefits increase over specified time intervals

The bottom line is, term life insurance is flexible, affordable and provides financial security in a variety of ways.

Remember, you should always speak to an independent agent like myself. We can access and research dozens of companies, so rest assured we will find the best policy at the most affordable rates.

If you have health concerns, don’t let that dissuade you, we can give you valuable advice to help you to find a policy that suits your personal needs.

Why We Think Guaranteed Term Life Insurance is the BEST

Huntley Wealth recommends Term life insurance for most of our clients.

We agree with experts like Suze Orman and Dave Ramsey who say you should only buy term.

I would agree that 99% of the time, term is the best choice for most people.

. Consider This

* If you’re planning prudently, you should have no need for life insurance in your 70’s or 80’s

* Term is so inexpensive, you can take your savings (instead of buying whole life), invest it, and almost always come out on top

* Our calculator proves this!Often times people cancel permanent plans because they are too expensive. Term provides affordable coverage you can keep for as long as you need

* You can use term in almost every situation, for example: income replacement, business loans, and key person insurance

Don’t get me wrong, there are situations where permanent life insurance makes sense. You may have lifetime needs for coverage if you have a large estate. Estate taxes can be a bear and permanent life insurance may be a solution. Or possibly you want to use life insurance for charitable reasons. Once again permanent life insurance comes in handy.

Need Permanent Insurance? Think Guaranteed Universal Life

For the most part you will be looking at Guaranteed Level Term Life Insurance. It’s good to lock into reasonable rates that will cover you during times of need.

Always consult and independent life insurance agent. We have access to dozens of companies, so rest assured we’ll find the best policy at the most affordable rates. If you have health concerns, don’t let that dissuade you. We can give you valuable advice and help you to find a policy that suits your individual needs.

So what about my term length? Should I lock in for 30 or opt for an inexpensive 10 year term? Hmmmm.


Want to know the problem with regular “universal life”? If the cash value decreases too low, your policy can lapse and you can lose all your money. That’s why we only sell GUARANTEED UNIVERSAL LIFE. It offers lifetime guaranteed level premiums, and as long as you pay your premiums, your policy can’t cancel. It works just like term, but for life!

Guaranteed Level Term – Short or Long Terms

Should I buy a longer Guaranteed Term Life Insurance policy now?

…or, to save money, should I just buy a 10 year term policy and apply for a new one in 10 years?

1. Shorter or Longer Term? A Real Life Situation

This is the scenario I encountered with a 61 year old client in great health.

He was debating whether to buy a 20 year term policy for $500K in coverage for $255.58 per month or a 10 Year term policy for $500k in coverage for $132.83 per month.

My response was that he could certainly apply for a 10 year term now, and then another 10 year term policy in 10 years.

It’s possible that it might be cheaper to do it this way, but I would say it’s very risky.

Let’s face it! In your later years it’s very probable that your health will take a downturn.

While you may be feeling great today, there is no guarantee that a decade from now this will hold true.

For example, I just ran a quote for $500K in coverage for a 10 year term policy for a 71 year old and the best price I could come up with with was $388 per month!

This is how old my applicant will be in 10 years. As you can see his savings could be HUGE if he applies now for the longer coverage instead of in 10 years.

2. What Are the Risks of Buying a Shorter Term?

* You may no longer be healthy enough to qualify for insurance in 10 years.

* Even if you can qualify, you may not qualify for the best health rating. For example, the same $500K, 10 year policy I quoted above for the 71 year old above would cost $729 per month they only qualified for a Standard rating. This is the rate class given to people who have an average” life expectancy.

* Insurance companies may raise their rates over the next 10 years. So even if you could still qualify for the best health rating, who knows if the price will still be $388 per month. Chances are it won’t be the same.


Think saving money on life insurance is as easy as getting a quick online quote? Think again! You need an expert guide. We know the right companies for every age, health issue, and need. It’s quick and easy! Get started with a free life insurance quote now!

3. Cost Perspective of Purchasing One 20 Year Term Policy vs. Two 10 Year Terms

So let’s take a look at how all of these numbers look when using live quotes.

I am going to use the example above: a 61 Year old Male non-smoker with a preferred rating who just received an offer of insurance by Protective, one of our favorite companies.

If he chooses a 20 year term this is what he will be looking at:

* 20 Year Term: For a policy with $500,000 in coverage he will pay $285.39 per month in premiums. The total outlay for this client will be $68,493.60 for his 20 year term.

* 10 Year Term: For a policy with $500,000 in coverage he will pay $150.81 per month in premiums. The total outlay for this client will be $18,097.20 for the first 10 years.

At age 71 this client decides he wants another 10 year term and still qualifies for a preferred rate. He will pay $508.25 per month in premiums. the total outlay for the second 10 year term will be and $60,990.00.

So if this client chooses to insure himself for the full 20 years he will pay a total of $79,087.20 .

Which means he will pay $10,593.60 more to split the terms up.


Let’s say my client finds out he has some health conditions over the next decade that bring him down to a standard rating!

Well the he would now be paying $737.95 per month. Which would be an outlay of $88,554.00 for the second 10 year term. Which would bring insuring him up to $106,651.20 for 20 years!

A difference of $38,157.60 over a 20 year term, if he decides to keep his coverage and has a decline in health. These decisions are COSTLY!

4. Consider This Alternative

What some people do who are not sure whether to take a 10 or 20 year term is they take BOTH.

For example, the gentleman mentioned above, a male 61 year old nonsmoker in excellent health, could buy a 10 year term with $250K in coverage for $80.89 per month and a 20 year term for $250K in coverage for $150.07 per month.

Total monthly premiums would be $230.96 per month.

The client could maintain the full $500K of coverage for 10 years. After 10 years, he could then let the 10 year policy lapse and would be left paying $150.07 per month for years 11-20 for $250K of coverage.

5. Purchasing 2 Separate Policies

Another alternative is to buy 2 policies, such as a term policy combined with a permanent policy.

Most people these days are now favoring a guaranteed lifetime plans instead of whole life insurance.

To see how combining term and universal life would work, click here for more information.

6. Need More Information?

The bottom line?

You need to call us at 877-443-9467 to find out what policy and insurance company best suits you. We’ll research your case and help you every step of the way.

Get an Instant Guaranteed Life Insurance Quote

Have you ever tried to get a quick, hassle-free Guaranteed Level Term Life Insurance quote?

One of my biggest pet peeves about the life insurance industry is that if someone wants to get a hassle-free life insurance quote, there’s almost nowhere to go on the internet to get one.

Let’s Look at an Example

For example, Joe wants a quote on a half million dollar term insurance policy. So he goes to Google and searches for “quick life insurance quotes”. He’ll have plenty of sites to choose from to get his “quick” quote.

He’ll probably be annoyed to find that after filling in his name, date of birth, type of insurance desired and detailed questions about his health – the insurance site DOES NOT GIVE HIM HIS “QUICK” QUOTE.

Instead, he is told a sales representative will call him to follow up.

Then he has to wait for a call from an insurance agent to get his quote. If he’s really lucky and he requested a quote from a site that sells his information to up to seven agents, he’ll get as many calls!

How would you like your name and date of birth to be shared with a half dozen insurance agents?

A Better Alternative

Here’s a novel idea. Fill out the quote form on the right hand side of this page and get an instant quote…right now!

No waiting for a sales rep to call. You’ll fill out the information requested and your quotes will be waiting for you on the next page.

In a day or so, I’ll make a no-pressure follow up call to see if you need any help deciding on the type of life insurance or amount to buy – but that’s it.

A truly quick, hassle-free, life insurance quote.

Confidential Application – Guaranteed Term Life Insurance

Many online life insurance providers boast that they offer instant Guaranteed Level Term Life Insurance or whole life quotes.

The truth is, these quotes will usually be inaccurate if the prospective purchaser is not familiar with the questions life insurance companies ask on their applications.

Hey let’s face it – it’s pretty difficult to ascertain what rating class you will qualify for.

I have a solution for a quick, confidential life insurance quote online.

You don’t have to visit an unknown website to fill out information that may be shared or sold to who knows how many insurance agents.

> Simply print out the 6 questions below and fax your answers to us at 619-393-0370, and one of our representatives will call you within one business day with reliable, accurate life insurance quotes.

YEP. It’s as easy as that.

6 Questions – Answer, Fax & Get Yer Quote:

  1. What’s your name and date of birth? Please also provide your email address and the best phone number to reach you with a quote.
  2. What’s your height and weight?
  3. Have you used any tobacco in the past 5 years? If so, indicate type and frequency.
  4. Do you have any current medical conditions or take medication, or have you had any serious medical issues in the past from which you have recovered, such as cancer, heart disease, hepatitis C, etc. If you do have a current medical condition, please describe when you were diagnosed, any medications or treatment for the condition, and assess how well it is currently controlled. For serious medical impairments, please see our post on High Risk Life Insurance.
  5. Other factors that can affect a life insurance rating are history of family disease (cancer or heart disease in your parents or siblings), hazardous occupation, travels, or hobbies, or any history of driving suspension or DUI’s, criminal record, history of drug or alcohol use/abuse, or treatment for a mental health issue such as anxiety/depression. If any of these apply to you, please let us know.
  6. Please also indicate the type (term, whole life, etc.) and amount of coverage you think you need. If you are unsure about either of these questions, please refer to the following articles:

Fax these answers to 619-393-0370. If you want a quicker response, you’ll need to call us directly with your answers to the questions below at 877-443-9467.

Why Complete this Questionnaire Rather than Using the Instant Quote Form?

Many individuals have unique medical conditions and aren’t sure how to rate themselves.

For example, if you use my instant life insurance quote online form to the right, you can quote yourself at preferred plus, preferred, regular plus or regular (order of best health to average).

Unfortunately, many people don’t know how to classify themselves.

It really is a life insurance agent’s job to ask you some questions about your health to provide an accurate quote.

Privacy is Important

Many people are reticent to provide personal information online. Do you blame ’em?

Possibly you’re searching for a way to obtain Guaranteed Term Life Insurance quote without sharing so much information.

Unfortunately, it doesn’t quite work this way. The less information you provide, the less information is available to properly research your unique health and age situation.

Guaranteed Level Term Life Insurance policies that require no medical exams or personal information may be in excess of 3 times more expensive than policies which do require you to provide personal information.

This is especially true if you are young and healthy. If you provide personal information to an independent agent, you could get a much more affordable policy that offers better coverage.

This same approach also applies to people who use tobacco products, or have health issues. Some insurers are more lenient when it comes to underwriting than others. The more accurate the information – the better the quote!

Yep, Your Information DOES Get Sold

As I mentioned earlier, the other problem is you never know if the company will sell your details to other agents.

You may end up getting 10 calls from eager life insurance agents trying to close you.

There are also some companies you simply don’t want to bother with. You’d be wasting time obtaining a Farmers insurance quote, because they are not competitive price-wise.

The same goes for an Allstate Term life insurance quote. These companies sell life insurance policies at astronomical premiums.

Other companies like Select Quote Life Insurance are good at quoting life insurance rates, but not good at servicing clients.

You can circumnavigate all of this by answering the questions above and faxing the answers to us at 619-393-0370 or simply calling us at 877-443-9467 for a confidential quote.

Don’t Want to Speak to an Agent? No Worries!

While we don’t offer instant Guaranteed Term Life Insurance quotes without personal information, we do offer the opportunity to get a quote and apply online without speaking to an agent.

I know life insurance agents are often made out to be villains in the movies and in popular jokes, and let’s face it… most of the life insurance agents I know are not too exciting to talk to.

I mean, we sit around and talk about death all day. Pretty morbid.

Most life insurance agents are vastly overpaid for the job they do. You can get a life insurance license after taking a 40 hour course and passing a multiple choice state exam.

Sadly, success sometimes goes to their head and some are just downright rude.

Wouldn’t it be great to bypass speaking to a life insurance agent altogether and apply online for life insurance? If you click the link below, you can do exactly that:

*** Get instant life insurance quotes using our customized health analyzer, and apply for life insurance coverage online, without ever speaking to a life insurance agent. ***

Avoid the Upsell!

Many people see life insurance agents as annoying sales people, who will try to upsell them to jack their premium as high as possible.

I don’t like to think of myself or any of our agents at Huntley Wealth Insurance in this way…but I am aware that that is the perception.

Let me explain the difference between clicking the link above, and filling out the form to the right to see an instant quote.

In the form on the right, you only have to submit a few pieces of information, your name, date of birth, phone #, and you’ll see an instant quote on the next page.

If you fill that out, one of our agents will generally call you within 7 days to follow up and see if you have any questions about your insurance needs.

Prefer not to speak with an agent at all? Just Click Here, and you can quote yourself by filling out a one page application on your own. Then, one of our support staff (not an agent) will call to ask just a couple follow up questions and will email you the application.

Quick and easy.

Steps Required:

Step 2: Select the company and product you want

Step 3: Fill out a one page application

Step 4: One of our support staff (not an agent) calls to review your application request, and sends your application back to be signed

Step 5: Many of our applications may be signed via E-signature, meaning you don’t have to print anything out, or mail anything. Just a few clicks and your application is submitted

Once you submit the information below, you quotes will appear.

You can alter the amount and type of coverage to see various quotes, and can switch the payment options between monthly and annually.

If you like one of the quotes, click on “Continue”. A bit more contact information will be required from you at this point. Once you’ve submitted this information, you will be contacted by one of our representatives to complete the application and schedule a medical exam, if needed.

Who SHOULD Use this Application Method

For those of you that are healthy and clear about the type of policy you want, whether it’s 15 or 30 year term, and the amount of coverage needed ($250,000, $500,000 or $1M), this is a great option for you.

Before you fill out this form, you nail down your history of medical issues. Diabetes, cancer, heart disease, or even something less serious like high blood pressure or high cholesterol are issues that make this for a no, no!

You need special attention from a life insurance agent who can ask you specific questions about your health to get you an accurate and AFFORDABLE quote. Call us for a quote at 877-443-9467.

Other Issues to Watch Out for Before Applying Online

If you work in some sort of hazardous or risky occupation, or have had a family member diagnosed with cancer, heart disease, or diabetes prior to age 60, you should NOT use the form below.

If you have any upcoming travel arranged outside the United States to a potentially dangerous country, you should not use this form either.

You NEED to first speak with an agent to determine what rate class is appropriate to pinpoint the life insurance company that will provide the best price for your personal needs.

How to Pick a Life Insurance Company

With so many companies out there, it can be difficult to know which are the best life insurers.

The right company for you might not be the right company for me…

Perhaps you have a medical condition that a particular company deals with harshly whereas another doesn’t.

Perhaps you favor financial strength over price.

Key factors you should consider:

1. Financial Strength
2. Type of Company
3. Level of Service
4. Premium
5. Risk Tolerance

Those are just some of the factors to consider when determining the “best companies” in 2017.

Just keep in mind that you really need to speak to an agent to see which company is best for you.

Guaranteed Term Life Insurance – The Best Companies 2017

When using an online quote engine to research Guaranteed Term Life Insurance, you might be thinking that they’re all equal and it doesn’t matter which one you use.


In fact, the quotes you’re receiving often come from a limited pool of life insurers.

So you may in fact not be getting the best quote or rating from that company or agency. Many life insurance quote engines that are used by particular agencies include only those insurers that they are affiliated with…

…which means many companies are not represented.

Below we provide a review of 3 companies which offer rates through their own online quote search engines:

1. Review of AIG Term Insurance Quotes

With AIG Guaranteed Level Term Life Insurance quotes you can target a policy which is unique to your personal circumstances. Policy options are available in 17 different policy term lengths from 10 – 30 years.

The AIG search option “Select-a-Term” allows you to customize for almost any situation, benefit amount or length of time.

However, AIG does not search the entire market when it comes to finding the best rate for certain health issues. Also, another drawback is that AIG Direct provides service through a high volume “call center. Their agents are required to meet quotas, so expect high pressure sales tactics.

2. Review of Zander Term Insurance Quotes

Zander has an easy to use quote engine. However, a variety of users have found that this agency also employs only a limited number of insurers.

If you use their online quote search option, you may find that you only get a finite number of search results and may not find the best quotes at the lowest rates.

It has, however, been found that they do have the best carriers when it comes to smokers and other health issues.

3. Review of AARP Term Insurance Quotes

AARP specializes in providing term life insurance quotes to people who are 50 years of age and older. The quotes they offer are for “Level Benefit Term Insurance” and “Extra Protection Term Life Insurance.”

The first problem with AARP quotes is that the level term insurance they offer, increases in price every 5 years. With other life insurers, rates generally remain the same for the life of the term – we really do prefer Guaranteed Level Term Insurance.

Although you may not have to provide health information, you won’t get the best rates if you are in good health.

Also, the amount of death benefit coverage found through AARP tends to be much lower than that of other term policies.

The same applies for Extra Protection term coverage.

Overall the rates you are quoted on this site may not be the best, especially if you are in good health.

Guaranteed Level Term & Huntley Wealth

Are you looking for Guaranteed Term Life Insurance? If so you needn’t look further than Huntley Wealth.

We have a team of agents that know the ins and outs of the life insurance company underwriting guidelines.

Let’s face it, life insurance is not a one size fits all process.

One insurer may work for me – but fail to deliver good rates for you.

Sleep Well Knowing Your Family Is Protected!

Guaranteed Level Term Life Insurance, gives you years of confidence that you are covered and protecting your family.

No matter what your health condition, sleep well knowing your family will be taken care of should something unforeseen happen to you.

It’s best to speak with a knowledgeable independent agent about your guaranteed level life insurance needs! With over 10 years of experience, we feel confident to say that we can find you the best rates in the business.

Call us today at 877-443-9467!

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All Comments

I am a 58 yr. old male and take high blood pressure, cholesterol and a low dose of anxiety medication. I have never smoked, drink alcohol occasionally, not overweight and very active with sports gardening ,boating, etc. Could you give me a quote as to how much a 20 term insurance cost would be / month for say 100,000.00 dollars

Thank you

Hello Steve,
I’ve erased your last name for your privacy, since you commented on my public comment section. Please call me directly at 877-443-9467 for a quote, as I cannot quote you without knowing what state you are in.

After I originally left a comment I seem to have clicked on the -Notify me when new comments are added-
checkbox and from now on whenever a comment is added I receive four emails with the
same comment. Perhaps there is an easy method you are able to remove me from that service?

Sorry, I don’t know how to do that.

Leave a Comment Cancel reply

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Invitations on insuranceblogbychris.com for application for insurance are made through Consumers Advocate Group, LLC (and in Florida: Consumers Advocate, LLC, and in New York: Consumers Advocate Group of Washington, LLC), an independent agent/producer, and its designated insurance producer, Francine Powel, only where licensed. All license numbers are available here and automatically provided as required by law. Consumers Advocate Group, LLC and Francine Powel are licensed insurance producers in all states and the District of Columbia. Partial list of licenses of Consumers Advocate Group, LLC and Francine Powel include National Producer Numbers 17651093 & 17613858, Resident State of Washington 892652 & 889919, Arkansas 100133617 & 17613858, California OK54069 & OK36946, Louisiana 662576 & 661089, Massachusetts 1987330 & 1984318, Minnesota 40439498 & 40437799, Texas 2170808 & 2022858 & 2019069, and Utah 536206 & 534286.

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